Howard County property record for 9945 Naylor Ave, Laurel, MD 20723
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,376 sqft · built 1980 |
| Lot Size | 0.172 acres (7,500 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $281,500 (Apr 2018) |
| Tax Bill | $5,402 (2026) |
| Deeds & Mortgages | Mar 2022 Mortgage Oct 2019 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-396631 |
| Primary APN | 06-396631 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,376 sqft Total Area |
| Attic | Attic |
| Attic Area | 288 sqft |
| Year Built | Built 1980 |
|---|---|
| Effective Year Built | Effective 1980 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 7,500 sqft (0.172 acres) |
| Porch | Slab |
| Porch Area | 55 sqft |
| Deck Area | 72 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 396631 |
|---|---|
| Street Address | 9945 NAYLOR AVE |
| City | LAUREL |
| State | MD |
| Zip | 20723-1723 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RSC |
| Legal Description | LOT 188 9945 NAYLOR AVE HIGH RIDGE PARK |
| Legal Subdivision | HIGH RIDGE PARK |
| Legal Lot Number | 188 |
| Jurisdiction | HOWARD MD |
| Township / Civil Division | 6, SAVAGE |
| Census Block Group | 2 |
| Census Block | 2005 |
| Census Tract | 606906 |
Source: Howard County records, as of September 4, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 9945 NAYLOR AVE, LAUREL, MD 20723-1723 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 22, 2022 | Deed of Trust, Mortgage · Conventional Mortgage CITY LENDING INC |
| Oct 18, 2019 | Gift Deed, Transfer · Conventional Mortgage HOMESPIRE MORTGAGE CORP |
| Apr 23, 2018 | Deed, Transfer · FHA Mortgage HOMESPIRE MORTGAGE CORP |
| Feb 7, 2017 | Trustee's Deed, Foreclosure ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 23, 2018 · Amount on Record |
| Deed Sale | Apr 23, 2018 · Amount on Record |
| Prior Sale | Feb 7, 2017 · Amount on Record |
| Deed Book / Page | 18143 / 136 |
| Prior Transfer Date | Jan 26, 2017 |
| Prior Transfer Doc | 0174290225 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HOWARD MD |
| Property Address | 9945 NAYLOR AVE, LAUREL, MD 20723-1723 |
| Transaction Type | Mortgage |
| Record Updated | Oct 25, 2022 |
| Title Company | THE AMERICAS TITLE GROUP |
| Name | Verified Name |
|---|---|
| Address | 9945 NAYLOR AVE, LAUREL, MD 20723-1723 |
| Document Number | 0214150209 |
|---|---|
| Date | Mar 22, 2022 |
| Book Page | 21415/209 |
| Name | CITY LENDING INC |
|---|---|
| Type | Mortgage Company |
| Address | VIENNA, VA 22182 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2052 |
| Document Type | Gift Deed |
|---|---|
| Jurisdiction | HOWARD MD |
| Recording Date | Oct 18, 2019 |
| Property Address | 9945 NAYLOR AVE, LAUREL, MD 20723-1723 |
| Document Number | 0189580132 |
| Book / Page | 18958 / 132 |
| Map Reference | MB 9 FO 60 |
| Instrument Date | Sep 25, 2019 |
| Transaction Type | Transfer |
| Record Updated | Aug 16, 2021 |
| Title Company | JDM TITLE LLC |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 9945 NAYLOR AVE, LAUREL, MD 20723-1723 |
| Document Number | 0189580136 |
|---|---|
| Date | Oct 18, 2019 |
| Book Page | 18958/136 |
| Name | HOMESPIRE MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | GAITHERSBURG, MD 20878 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 1, 2049 |
| Document Type | Deed |
|---|---|
| Jurisdiction | HOWARD MD |
| Recording Date | Apr 23, 2018 |
| Property Address | 9945 NAYLOR AVE, LAUREL, MD 20723-1723 |
| Document Number | 0181430136 |
| Book / Page | 18143 / 136 |
| Map Reference | MB9 FO60 |
| Instrument Date | Mar 5, 2018 |
| Transaction Type | Transfer |
| Record Updated | May 3, 2022 |
| Title Company | DIAMOND TITLE INS CORP |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $4,222.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 9945 NAYLOR AVE, LAUREL, MD 20723-1723 |
| Document Number | 0018143141 |
|---|---|
| Date | Apr 23, 2018 |
| Instrument | 18143/141 |
| Name | HOMESPIRE MORTGAGE CORP |
|---|---|
| Type | Non-Lending Institution |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2048 |
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | HOWARD MD |
| Recording Date | Feb 7, 2017 |
| Property Address | 9945 NAYLOR AVE, LAUREL, MD 20723-1723 |
| Document Number | 0174290225 |
| Book / Page | 017429 / 000225 |
| Instrument Date | Oct 21, 2016 |
| Transaction Type | Foreclosure |
| Record Updated | Feb 24, 2017 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $270.00 |
| Amount Accuracy | Confirmed |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Corporate Trust |
Source: Howard County assessment roll, as of September 4, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Howard County |
| Unified School District | Howard County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $5,402.00 (-0.86%) Homeowner's exemption | $387,833 (+10.68%) | $462,700 (+32.05%) Land $261,200 Building $201,500 |
| 2025 | $5,449.00 (+4.47%) Homeowner's exemption | $350,400 (+9.61%) Land $166,200 Building $184,200 | $350,400 (-) Land $166,200 Building $184,200 |
| 2024 | $5,216.00 (+52.25%) | ||
| 2023 | $319,667 | $350,400 Land $166,200 Building $184,200 | |
| 2022 | $3,426.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective October 31, 2023 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 3 in force |
| Nearby Flood Claims | 2 (2003–2012) |
| Claims Outside the SFHA | 2 of 2 |
| Most Recent Claim | Oct 2012 · Hurricane Sandy |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | HOWARD COUNTY D.P.W. DISTRIBUTION serves 286,158 people · EPA ID MD0130002 |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Jan 2024 |
| Lead | 3 ppb (2018–2020) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 516 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fiber | 2,300 / 2,300 |
| Xfinity Cable | 2,000 / 250 |
| T-Mobile Fixed Wireless | 100 / 20 |
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